interest, if any, charged to your account during January 2003 is computed from December 31, 2002, End of Statement 027 02.01,03:15:36 001 Beer. Steens SOerrhel GNP. CeoLlevetech Conte/ Noah Betatron. New Tex 11201.3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 1.2003 THROUGH January 31.2003